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TOPIC:
Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not be able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages?
Using the credit card is increasingly widespread in modern society, especially among the young people. Whether it is beneficial for our lives has caused a heated debate. I am of the opinion that the benefits of credit cards outweigh the drawbacks.(41)
There are at least two reasons why the credit card has positive impact on our lives. Firstly, it can save people who are in financial crisis or emergencies in an appropriate way. If people have urgent demand for money, but do not have right now, the credit card can lend amounts of money and the borrower could pay back by installments. This could not only alleviate the borrowers’ financial pressure but also allow more time for them to serve their debts. Moreover, credit cards make something expensive more available, which improves young people’s quality of lives in particular. For example, products of Apple Corporation are so hot these years that attract many fans. Using credit cards enables people who cannot afford the costly device to enjoy it as soon as possible.(131)
There are disadvantages of the credit card as well. It encourages people to spend money in advance which could leave people in real financial difficulties, especially for the ones who lack of self-control or financial management abilities. The situation may become worse when people cannot pay their debts back. Then everyone suffers, the bank, those who in debt, and also the whole economy. Besides, if people are used to consuming with credit cards, it is probable to spend more and more money easier than with cash. As a result, debts build up and it is unlikely to save money. (99)
In sum, credit cards make our lives happier, while the card owners should be aware of their competence of repaying the loan. On the other hand, the bank should give a reasonable limit after investigating the applicant strictly.(38)
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发表于 13-2-2014 02:31:46
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